No Income Proof Loans in Kenya

Wanjiru Nguhi
06 June 2025

Loan term

We genuinely assist our clients in obtaining loans without upfront payments or documentation, ANY AMOUNT IN KES

License #068

We can provide you with a loan against a promissory note during the day. No credit history required. Against a promissory note. No need for a complete set of documents. A passport and PIN are required. This applies if the loan amount you need is no more than KES 1,200,000. The process is carried out during a personal meeting at a notary’s office. Applicants must be Kenyan citizens, 21 years or older. Residence can be in any region. No upfront fees, payments, or insurance required. Everything is free for you!

350 000 KES
54 months
1.51% per annum

Private Investor Offers Funds on Credit.

License #062

We assist everyone in obtaining a loan regardless of credit history or delinquencies. We operate without advance payments or collateral, and all commission fees are paid only after the funds are disbursed to you, requiring no payment beforehand. We approve amounts ranging from KES 100,000 to KES 3,000,000 for a long term of up to 7 years. Contact us via email or call for more detailed terms.

100 000 KES
144 months
21.22% per annum

Loans for Any Purpose. Available 24/7.

License #066

Loan in a reliable bank from 100,000 to 2,000,000 KES without documentation, no calls required, only a Kenyan ID needed for application. We will ensure approval of the application and receipt of loan funds in regions where our bank branches are available. Even if you have issues with your credit history, we can assist under any credit history conditions, provided you have no debts with our bank. Applications are accepted via email, and we charge 25% of the received loan amount for our services.

60 000 KES
64 months
12.49% per annum

I will take a loan.

License #063

We are not brokers who send mailings and take advance fees; we are bank employees!
This means that you can get a loan with just 2 documents without rejection!
Up to 2,000,000 KES, the loan will be yours on the day of application without rejection and document bundles!
Up to 7,000,000 KES, the loan will be yours in no more than 3 days without rejection and document bundles!
We do not send mailings, and we do not ask for deposits, only two documents are required, call us!

20 000 KES
84 months
7.74% per annum

Get a loan with no upfront fees or hidden charges!

License #062

Contact us for financial assistance. We collaborate directly with the bank’s security service, handling cases such as: – active overdue loans; – closed overdue loans; – high credit utilization (many active loans); – lack of income documentation; – lack of official employment; – court decisions We provide assistance to citizens from all regions, for ages 19 to 72. No upfront payments required, commission is strictly upon receipt of funds. Loan amounts: – from 200,000 to 700,000 Kenyan Shillings within an HOUR; – from 700,000 to 6,500,000 Kenyan Shillings within 1 day.

200 000 KES
10 months
13.68% per annum

Emergency Loans Up to 500,000 KES! Assistance with Poor Credit History!

License #068

Are you planning to expand and modernize your business? Do you have a business plan but lack the funds? Or are you planning to start a business from scratch with a solid startup project? And again, it’s all about the money? With the help of a credit broker, you can realize your plans. Any form of business including sole proprietorships. Registration in any region except the northern areas. Problems with the Kenya Revenue Authority and arbitration are allowed, as well as a negative credit history of the founders. Any turnover is considered. Project and auction financing, tender loans and credit lines, bank guarantees and working with promissory notes. Working with accounts receivable. Support and accompaniment of investment projects from one hundred million Kenyan Shillings. Assistance in creating a formatted business project. All work for obtaining funds in Nairobi. Working with a credit broker only in the format of a service contract.

5 000 KES
80 months
1.63% per annum
Loans with High Approval in Kenya
Borrower Rating Rate Amount
Avanse Financial Services
,0/5 7617704% 12 KES
Lipa Later
,0/5 7617704% 12 KES
Letshego Kenya
,0/5 7617704% 12 KES
Progression Credit
,0/5 7617704% 12 KES
Stima SACCO
,0/5 7617704% 12 KES
Gulf African Bank
,0/5 7617704% 12 KES
Zidisha
,0/5 7617704% 12 KES
Mwananchi Credit
,0/5 7617704% 12 KES
I&M Bank Limited
,0/5 7617704% 12 KES
Equity Bank Kenya Limited
,0/5 7617704% 12 KES
PesaPap (Family Bank)
,0/5 2422318% 14 KES
DIB Bank Kenya
,0/5 2422318% 14 KES
Unaitas SACCO
,0/5 2422318% 14 KES
National Bank of Kenya
,0/5 2422318% 14 KES
Uwezo Microfinance Bank
,0/5 2422318% 14 KES
Jijenge Credit
,0/5 2422318% 14 KES
Sidian Bank
,0/5 2422318% 14 KES
Tala
,0/5 2422318% 14 KES
Bank of Africa Kenya Limited
,0/5 2422318% 14 KES
Access Bank (Kenya) PLC
,0/5 2422318% 14 KES
AsapKash
,0/5 7853920% 18 KES
iPesa
,0/5 7853920% 18 KES
Okolea
,0/5 7853920% 18 KES
Premier Credit
,0/5 7853920% 18 KES
SBM Bank
,0/5 7853920% 18 KES
M‑Shwari (Safaricom/NCBA)
,0/5 7853920% 18 KES
SMEP Microfinance
,0/5 7853920% 18 KES
Family Bank Limited
,0/5 7853920% 18 KES
Frequently Asked Questions
What are no income proof loans in Kenya?

No income proof loans are financial products that do not require traditional income documentation for approval, catering to self-employed individuals or those with non-traditional income sources.

How can I qualify for a no income proof loan in Kenya?

To qualify, you often need alternative proof of repayment ability such as bank statements, collateral, or a high credit score.

Are no income proof loans more expensive than traditional loans?

Yes, they typically have higher interest rates due to the increased risk for lenders without standard income verification.

Can I use digital platforms to apply for no income proof loans in Kenya?

Yes, several digital lenders in Kenya offer no income proof loans and allow for online applications, making the process convenient and fast.

What risks are involved with no income proof loans?

The main risks include higher interest rates, potential for borrowing more than you can repay, and the risk of losing collateral if required.

Is a good credit score necessary for securing a no income proof loan in Kenya?

While not always mandatory, a good credit score can significantly enhance your chances of approval and may result in better loan terms.

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